2684 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2684 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,825 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Tax Bill	$4,308 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-1040`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-1040`
Alternative APN	`253108373200011040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,825 sqft Living Area
Gross Area	2,289 sqft
1st Floor Area	913 sqft
Upper Floors Area	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Detached
Garage Area	420 sqft
Porch	Slab
Porch Area	44 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2684 MEAD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7870
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 104
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	1040
Legal Lot Number	104
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43600

Owner

Source: Osceola County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC
Apr 9, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Feb 9, 2022	Deed of Trust, Mortgage · FHA Mortgage CORELOGIC SOLEX
Jul 12, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2019
Deed Sale	Jul 12, 2019
Deed Document Number	201989956
Deed Book / Page	5556 / 464
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870

Mortgage

Document Number	0068542782
Date	Sep 29, 2025
Book Page	6854/2782
Instrument	2025119309

Lender

Name	OUTAMATION INC
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Feb 1, 2052

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870

Mortgage

Document Number	0065800113
Date	Apr 9, 2024
Book Page	6580/113
Instrument	2024045753

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Feb 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870

Mortgage

Document Number	0061462971
Date	Feb 9, 2022
Book Page	6146/2971
Instrument	2022021875

Lender

Name	CORELOGIC SOLEX
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 12, 2019
Property Address	2684 MEAD AVE, SAINT CLOUD, FL 34771-7870
Document Number	0055560464
Book / Page	005556 / 000464
Instrument Date	Jul 10, 2019
Instrument	89956
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,951.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2684 MEAD AVE ST CLOUD FL 347717870, ST CLOUD, FL 34771-7870

Mortgage

Document Number	55560466
Date	Jul 12, 2019
Book Page	005556/000466
Instrument	89957

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Bank
Address	ATLANTA, GA 30361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,308.00 (+7.19%) Homeowner's exemption	$300,425 (+5.99%)	$311,100 (-5.73%) Land $45,000 Building $266,100
2023	$4,019.00 (+4.09%) Homeowner's exemption	$283,456 (+3%)	$330,000 (+19.91%) Land $14,900 Building $315,100
2022	$3,861.00 Homeowner's exemption	$275,200 Land $14,900 Building $260,300	$275,200 Land $14,900 Building $260,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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